Compare AU Bank LIT Credit Card vs HDFC Regalia Credit Card

Gain 10X or 5X reward points on all online domestic and international retail transactions
Gain 10X or 5X reward points on all POS and contactless offline domestic and international transactions
Avail 1 Reward Point per Rs. 100 spent on utility spends (Up to 100 reward points per transaction)
Avail 1 Reward Point per Rs. 100 on other spends including insurance
Cardholders will earn a maximum of 25,000 reward points in a statement cycle, excluding utility spends
Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 5,000

Milestone Cashback: Cardholders can earn up to 5% and 2% cashback on retail spending as per the following details:
a. Gain 5% cashback 3 times over a 90-day period for retail spends in addition to 1 Reward Point per Rs. 100 spent
b. Minimum retail spends of Rs. 7,500 and a maximum cashback of Rs. 500 over a period of 30 days
c. Gain 2% cashback 3 times over a 90-day period, for retail spends in addition to 1 Reward Point per Rs. 100 spent
d. Minimum retail spends of Rs. 10,000 & a maximum cashback of Rs. 1,000 over a period of 30 days
Additional 5% cashback for grocery and apparel spends in addition to 1 Reward Point per Rs. 100 spent
Maximum cashback of Rs. 1,000 per category over a period of 30 days
Avail up to 4 complimentary domestic lounge visits per 90 days
Avail 3 months membership of ZEE5
Avail 3 months membership of Amazon Prime
Avail 3 months membership of Cult pass Live subscription for home live workouts
Zero lost-card liability
Credit Shield can be availed up to Rs. 1.5 lakhs

Avail 4 Reward Points on every Rs.150 spent on all retail spends including Insurance
Zero Lost card liability
Foreign Currency Markup : 3.5% on all foreign currency spends
Enjoy Revolving Credit on the credit card at nominal interest rate
24/7 Concierge Services
Complimentary Airport Lounge Access within India: The lounge access program is be based on credit card spends. Spend Rs.1 Lakh or more in a calendar quarter (Jan-Mar | Apr-June | Jul-Sept | Oct-Dec). Avail up to 2 complimentary lounge access vouchers as part of quarterly milestone benefit
Priority Pass: Lounge access outside India using priority pass is not based on spends. Apply for Priority Pass for self and add on members once you have completed minimum 4 retail transactions. Using Priority Pass, cardholder and the add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. If exceeded the 6 Complimentary visits, there will be a charge of US $27 + GST per visit. Guests accompanying the primary card holder must have an Add-on credit card with their own Priority Pass
1% fuel surcharge waiver at fuel stations across India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000
Enjoy dining benefits with the Good Food Trail program: Avail up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). The offer is inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
Milestone Benefit: Obtain Bonus 10,000 Reward Points when making spends of Rs. 5 lakhs in the anniversary year. Earn additional 5,000 Reward Points when spending Rs. 8 lakhs spends in the anniversary year
Renewal fee waived off if spends exceeds more than Rs. 3 Lakhs in the previous year
HDFC Bank Regalia Credit Card provides the option to convert big spends into EMI after purchase
The credit card is enabled for contactless payments
Accidental air death cover worth Rs. 1 Crore
Emergency overseas hospitalization: Up to Rs. 15 lakhs
Lost Card Liability Cover : Up to Rs 9 lakhs

Pros

* Cardholders get the ability to customize features
* Avail 5% cashback on day-to-day categories
* Complimentary Amazon Prime, ZEE5 and Cult Fit memberships
* Accelerated rewards on online and offline spends

Cons

* No reward points on fuel and EMI spends
* The card has complicated feature-wise pricing structure

Pros